All posts tagged: women and money

10-Year Plan to Financial Independence According to JL Collins

JL Collins is a financial blogger and an author, who was the most influential force behind my desire to seek financial independence. Do check out his blog to learn more about his exceptional and life-changing work. In his book “The Simple Path to Wealth”, he says that if individuals follow the below-listed tips in the next ten years, they will be on their way to financial independence. …

The Unnecessary Purchases I Made in 2021

Some financial goals I set myself for 2021, I didn’t manage to reach by the end of December. But I’ll reach them by the end of January 2022; I’m a month late. Yes, that makes me, in some respects, upset with myself. However, at the same time, this is the first time in my life I had financial goals set that were reachable. All financial …

The Treasures I Found in My Mum’s House

In the past year, I’ve visited my parents’ house three times. Each visit included cleaning one of the bedrooms, which gradually had become storage for all the unwanted stuff we all have gathered over the years. Last year I found so many items of clothing that it made me cry just to think how hard I had to work to buy those things, only to …

Half Assing Isn’t Going to Get You Anywhere

When I was at the peak of my personal half-assing, I knew I was stuck and couldn’t get out of that circle of self-sabotage, which in everyday life translated to fear of commitment to myself. At the end of 2020, I realised that most of my adult life, I’ve been half-assing. I was doing things with all my convictions and beliefs and always gave my 100%. …

Decreasing the Amount of Money, You Need to Be Happy

I believe that one of the biggest offenders on the journey to FI is an inflated lifestyle, which doesn’t give long-term happiness, adding instead to the number of financial obligations we have. Decreasing the amount of money we need to be happy, is a long-term lifestyle choice, not a quick fix that can make people feel better for an hour or two. In my 20’s I …

Why Budgeting Matters?

For a very long time, I didn’t really understand how budgeting worked. I only used budgets to limit myself, instead of realistically looking at my needs and what amount/percentage of my income I allocated to meeting those needs. Without knowing my actual spendings, it was pretty impossible to know what percentage I could save or invest. I was stupidly unaware of where my money was …

Life Is About Learning to Adapt

On the way to financial freedom, many of us will have to learn how to adapt our mindset, spending, our goals, adjust to new lifestyle choices, adapt to new priorities, and to a financially independent lifestyle (when financial independence finally happens). Throughout the history of humanity, to be able to survive we all had to learn how to adapt. Unfortunately, the more comfortable people become, …

Would I Buy This Item If It Weren’t on Sale?

Recently I’ve been wondering about buying stuff that isn’t on sale. Well, in reality I almost never buy anything for myself that has a full price tag attached; with kids is a different story and we buy what they need. However, I started questioning this habit of mine and begun asking myself if I need to buy something/anything at all, regardless if it’s on sale …

Unlearning the Bad Habits

Picking up bad habits is soooo easy, as is falling back to default, often dangerously destructive ways. Eating sweets or junk food is a bad habit. I’ve never been a fan of junk food but sweets, ooooh that I can eat. Especially when I feel tired or restless (maybe that’s why I work so much, hmmm… something to think about). The only way that I …

The Road to Freedom

Ever since I can remember, I wanted to be free to do whatever I wanted to do. If you had asked my dad, he would surely tell you that I always did whatever I wanted to do. Well, at least I tried… thanks, dad. When I search deep inside my soul, I know that having the freedom to do what I dreamt of doing was always …